CFG Citizens Financial Group margins

Relative Growth: Rel. Growth: 76

Relative Strength: Rel. Strength: 55

Relative Valuation: Rel. Valuation: 82

Relative Profitability: Rel. Profitability: 81

Gross margin

100%

Operating margin

34.4%

EBITDA margin

37.8%

Net margin

25.3%

For this period, Citizens Financial Group reports a gross margin of 100%, an operating margin of 34.4%, an EBITDA margin of 37.8%, and a net margin of 25.3%. The main improvement was in operating margin, up 5.4 percentage points; the remaining margins remained unchanged.

CFG margin history

Gross, operating, EBITDA and net margin trends

Citizens Financial Group's margins averaged 100% gross, 28.07% operating, 32.69% EBITDA, and 20.5% net during the last 3 years. Against the three-year averages, operating, EBITDA, and net margins are above their three-year averages.

CFG margin expansion

Year-over-year margin changes in percentage points

Operating margin expanded by 5.4 percentage points, EBITDA margin by 4.1 percentage points, and net margin by 4.3 percentage points. Gross margin was unchanged.

Gross margin expansion

0pp

Operating margin expansion

5.4pp

EBITDA margin expansion

4.1pp

Net margin expansion

4.3pp

CFG Gross margin

Looking back over the last 3 years, Citizens Financial Group recorded an average gross margin of 100%. Citizens Financial Group currently reports a gross margin of 100%, in line with its three-year average. The highest gross margin for Citizens Financial Group was 100% in Sep 2026, while the lowest was 100% in Dec 2023.

CFG Operating margin

Citizens Financial Group recorded an average operating margin of 28.07% across the last 3 years. Compared with its three-year average, Citizens Financial Group's current operating margin is 34.4% and is 6.3 percentage points above its three-year average. Over the last 3 years, Citizens Financial Group's operating margin peaked at 34.4% in Sep 2026 and reached a low of 22.3% in Sep 2024.

CFG EBITDA margin

Over the last 3 years, the average EBITDA margin for Citizens Financial Group was 32.69%. The current EBITDA margin stands at 37.8%, 5.1 percentage points above its three-year average. Citizens Financial Group's EBITDA margin ranged from a low of 27.4% in Sep 2024 to a high of 37.8% in Sep 2026.

CFG Net margin

Citizens Financial Group recorded an average net margin of 20.5% across the last 3 years. Citizens Financial Group currently reports a net margin of 25.3%, 4.8 percentage points above its three-year average. Looking back over the last 3 years, Citizens Financial Group's net margin reached 25.3% at its highest point in Sep 2026 and 16.4% at its lowest in Sep 2024.

CFG margin group comparison

Margins compared with peer-group, industry and sector averages

Citizens Financial Group's gross margin of 100% is higher than the Financial Services sector and the industry average. In comparison with the Financial Services sector average of 83.4%, Citizens Financial Group's gross margin is 20% higher.

CFG margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is Citizens Financial Group's gross margin?

For the period ending Sep 30, 2026, CFG recorded a gross margin of 100%.

What is Citizens Financial Group's operating margin?

For the period ending Sep 30, 2026, CFG recorded an operating margin of 34.4%.

What is Citizens Financial Group's EBITDA margin?

For the period ending Sep 30, 2026, CFG recorded an EBITDA margin of 37.8%.

What is Citizens Financial Group's net margin?

The current net margin for CFG is 25.3% as of Sep 30, 2026.

What are the average margins of CFG?

The three-year average margins for CFG were 100.0% gross, 28.1% operating, 32.7% EBITDA, and 20.5% net.

What are the highest historical margins of CFG?

Over the last 5 years, Citizens Financial Group's highest margins were 100% gross in Sep 2026, 42.2% operating in Dec 2021, 49.4% EBITDA in Dec 2021, and 31.3% net in Dec 2021.

What are the lowest historical margins of CFG?

Across the 5-year period, CFG posted its lowest margins at 100% gross in Dec 2021, 22.3% operating in Sep 2024, 27.4% EBITDA in Sep 2024, and 16.4% net in Sep 2024.